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24 hours CONTACT CENTER (02) 3100 109


11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

+ 389 (02) 3114 503 



Auto Loan



Loan purpose

The loan is approved for buying automobiles and jeeps

Loan amount 


Up to 30.000 EUR (In MKD equivalent)



• MKD loan with FCY clause

Interest rates

Payroll clients

Other clients


•  6,86% EUR 


•   7,62% EUR

In compliance with applicable regulations, SB regularly announces the Annual Percentage Rate of total costs (APR) on its website, on the bulletin boards at counters and through public media 



•  From 1 to 7 years



Equal monthly annuities

For all holders of transaction account with Stopanska Banka repayment is possible by:

•  Standing order or
•  Through the i-bank system of Stopanska Banka 

No fees for early repayment.





• Administrative fees: 1% of the approved loan amount
• Notary fees for establishing pledge over the vehicle and entry of the pledge into the Central Registry  

KASKO i.e. All-risks car insurance fees for the whole loan repayment period




• The ownership of the vehicle is established collateral right in favor of the bank, until full repayment of the loan by borrower
KASKO i.e. All-risks car insurance assigned in favour of the Bank

Loan criteria 


• Individuals, citizens of the Republic of Macedonia

Manadatory participation of the borrower when buying the vehicle at least:

Min. 20% of the car value up to EUR 16000

Min. 25% of  the car value over EUR 16000

•  Minimum amount of net monthly income of the borrower/co-borrower 9.100 MKD.

• The age of borrower and co-borrowers should be minimum 20 years on application date and 67 years on loan maturity date

Co-borrower opportunity
  • Co-borrowers can be immediate family members (parent, child, spouse)
  • Co-borrowers can also be included if they are not immediate family members but with the following conditions:

 - SB payroll client (at least 1 month)

 - User of at least one SB lending product with good credit history

  • Co-borrowers income and debts are 100% inlcuded in DTI calculation.





Required documents



*1.  Auto loan application
*2.  Photocopy of ID card or passport
*3.  For SB payroll clients: only print of statement from transaction account for last three months  

       For non SB payroll clients: Pension check/ salary certificate, certificated and signed by the employer (not older than 30 days), and for employees at private companies, PP53 form (summery of salaries certified at PRO) for the last 3 months

4.  Seller's pro-forma invoice for the vehicle
5.  For the main borrower, depending on the marital status, he/she should submit:

- single borrows – copy from the newest  birth certificate (not older than 6 months) or certificate from Ministry of Internal Affairs that existing certificate is not amended.

- married borrowers – copy from the marriage certificate (no limitation for the issuance date of the certificate)

6.  For co-borrowers, members of the closest family, valid birth or married certificate is required.

*7. Consent for report from Macedonian Credit Bureau


*Refers to borrower and co-borrower